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Old Point Financial Corporation (OPOF)

Profile

Full Name

Old Point Financial Corporation

Ticker

NASDAQ: OPOF

Exchange

NASDAQ

Sector

Financial Services

Industry

Regional Banks

Country

United States

IPO

January 11, 1999

Indexes

Not included

Website

https://www.oldpoint.com

Employees

260

Key Details

Price

$42.10

Market cap

$214.80M(Small cap)

Last Dividend

$0.14

TTM Dividend yield

1.33%

Annual revenue

$85.82M(+6.90% YoY)

Annual EPS

$1.88(+22.08% YoY)

PE ratio

24.76

Next earnings date

Oct 23, 2025

Next ex-dividend date

N/A

Next split date

N/A

Quick Search

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    See Full Chart & Historical Data

    Analyst ratings

    Price

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    Current Price

    $42.10
    OPOF price is $42.10

    30-Day Relative Volume

    0.00
    OPOF 30-day relative volume is 0.00

    Price Performance

    Price Most recent change

    -
    OPOF price change on Sep 3, 2025 is unknown

    Price YTD change

    +61.55%
    OPOF price is up +61.55% since January 1st

    Price 1-year change

    +127.57%
    OPOF price is up +127.57% year-on-year

    Price 3-year change

    +54.44%
    OPOF price is up +54.44% over the past 3 years

    Price Range

    Price All-time high

    $42.67
    OPOF price is currently -1.35% below its historical high of $42.67

    Price 3-year low

    $13.49
    OPOF price is currently +212.08% above its 3-year low

    Capitalization

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    Market cap

    Market cap

    $214.80M
    OPOF market capitalization is $214.80 million

    Market cap 3-year change

    +57.15%
    OPOF market capitalization is up +57.15% over the past 3 years

    Market cap All-time high

    $214.80M
    OPOF market capitalization is currently at an all-time high

    Market cap sector rank

    -
    OPOF market capitalization is unknown

    Shares Outstanding

    Shares Outstanding 1-Year Change

    +0.52%
    OPOF shares outstanding is up +0.52% year-on-year

    Shares Outstanding 3-Year Change

    +1.76%
    OPOF shares outstanding is up +1.76% over the past 3 years

    Technical Indicators

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    Beta

    0.04
    OPOF beta is 0.04

    200-day SMA

    $33.33
    OPOF price is currently +26.33% above its 200-day simple moving average

    50-day SMA

    $40.79
    OPOF price is currently +3.21% above its 50-day simple moving average

    RSI

    59.84
    OPOF 14-day relative strength index is 59.84

    Volume

    0.00
    OPOF 30-day relative volume is 0.00

    ATR

    $0.65
    OPOF average true range is $0.65

    10-day Historical Volatility

    19.60%
    OPOF 10-day historical volatility is 19.60%

    Dividend

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    Events

    Last Paid Dividend

    $0.14
    OPOF last dividend was $0.14 per share, with an ex-dividend date of June 9, 2025

    Next Dividend

    -
    OPOF next dividend has not yet been announced

    Dividend per share

    Dividend per share

    $0.56
    OPOF annual dividend per share is $0.56

    Dividend per share Sector Rank

    -
    OPOF annual dividend per share is unknown

    Dividend per share 1-Year Change

    0%
    OPOF annual dividend per share has remained unchanged year-on-year

    Dividend per share 3-Year Change

    +12%
    OPOF annual dividend per share is up +12% over the past 3 years

    Dividend yield

    Dividend yield

    1.33%
    OPOF annual dividend yield is 1.33%

    Dividend yield Sector Rank

    -
    OPOF annual dividend yield is unknown

    Other

    Payout ratio

    29.85%
    OPOF annual payout ratio is 29.85%

    Dividends paid

    $2.84M
    OPOF annual dividends paid is $2.84 million

    Free cash flow

    $13.23M
    OPOF annual free cash flow is $13.23 million

    Income Statement

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    Revenue

    Revenue

    $85.82M
    OPOF annual revenue is $85.82 million

    Revenue Analysts estimate

    -
    OPOF annual revenue consensus analysts' forecast is unknown

    Revenue 1-year change

    +6.9%
    OPOF annual revenue is up +6.9% year-on-year

    Revenue Sector rank

    -
    OPOF annual revenue is unknown

    EPS

    EPS

    $1.88
    OPOF annual earnings per share is $1.88

    EPS Analysts estimate

    -
    OPOF annual earnings per share consensus analysts' forecast is unknown

    EPS 1-year change

    +22.08%
    OPOF annual earnings per share is up +22.08% year-on-year

    EPS Sector rank

    -
    OPOF annual earnings per share is unknown

    Profit

    Gross profit

    $0.00
    OPOF annual gross profit is $0.00

    Gross margin

    0.00%
    OPOF annual gross profit margin is 0.00%

    Operating profit

    $11.40M
    OPOF annual operating income is $11.40 million

    Operating margin

    13.29%
    OPOF annual operating profit margin is 13.29%

    Net income

    $9.51M
    OPOF annual net profit is $9.51 million

    Net margin

    15.43%
    OPOF annual net profit margin is 15.43%

    Expenses

    Total expenses

    $76.31M
    OPOF annual total expenses is $76.31 million

    Operating expenses

    $30.83M
    OPOF annual total operating expenses is $30.83 million

    Cost of goods sold

    -
    OPOF annual cost of goods sold value is unknown

    Selling, general & administrative expenses

    $30.83M
    OPOF annual SGA is $30.83 million

    Depreciation and amortization

    $2.53M
    OPOF annual depreciation & amortization is $2.53 million

    Interest expense

    $24.19M
    OPOF annual interest expense is $24.19 million

    Income tax

    $1.90M
    OPOF annual income tax is $1.90 million

    EBIT & EBITDA

    EBIT

    $35.59M
    OPOF annual earnings before interest & taxes is $35.59 million

    EBITDA

    $38.13M
    OPOF annual EBITDA is $38.13 million

    Balance Sheet

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    Assets

    Total assets

    $1.45B
    OPOF annual total assets is $1.45 billion

    Non current assets

    $1.27B
    OPOF annual long term assets is $1.27 billion

    Current assets

    $358.13M
    OPOF annual total current assets is $358.13 million

    Cash and cash equivalents

    $139.34M
    OPOF annual cash & cash equivalents is $139.34 million

    Accounts receivable

    -
    OPOF annual accounts receivable value is unknown

    Inventory

    -
    OPOF annual inventory value is unknown

    Liabilities

    Total liabilities

    $1.34B
    OPOF annual total liabilities is $1.34 billion

    Long term liabilities

    $1.32B
    OPOF annual total long term liabilities is $1.32 billion

    Current liabilities

    $3.97M
    OPOF annual total current liabilities is $3.97 million

    Accounts payable

    -
    OPOF annual accounts payable value is unknown

    Debt

    Total debt

    $74.61M
    OPOF annual total debt is $74.61 million

    Total debt 1-year change

    -27.39%
    OPOF annual total debt is down -27.39% year-on-year

    Long term debt

    $30.26M
    OPOF annual long term debt is $30.26 million

    Short term debt

    $44.35M
    OPOF annual short term debt is $44.35 million

    Equity & Capital

    Shareholders equity

    $113.97M
    OPOF annual stockholders equity is $113.97 million

    Book value

    $113.97M
    OPOF annual book value is $113.97 million

    Retained earnings

    $88.49M
    OPOF annual retained earnings is $88.49 million

    Working capital

    $354.16M
    OPOF annual working capital is $354.16 million

    Cash Flow Statement

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    Cashflow Activities

    Cash from operations

    $14.64M
    OPOF annual cash flow from operations is $14.64 million

    Cash from operations 1-year change

    +33.18%
    OPOF annual cash flow from operations is up +33.18% year-on-year

    Cash from investing

    $50.66M
    OPOF annual cash flow from investing activities is $50.66 million

    Cash from investing 1-year change

    +256.78%
    OPOF annual cash flow from investing activities is up +256.78% year-on-year

    Cash from financing

    -$6.07M
    OPOF annual cash flow from financing activities is -$6.07 million

    Cash from financing 1-year change

    -107.49%
    OPOF annual cash flow from financing activities is down -107.49% year-on-year

    CAPEX

    CAPEX

    $1.41M
    OPOF annual capital expenditures is $1.41 million

    CAPEX 1-year change

    +34%
    OPOF annual capital expenditures is up +34% year-on-year

    Free Cash Flow

    Free cash flow

    $13.23M
    OPOF annual free cash flow is $13.23 million

    Free cash flow 1-year change

    +33.09%
    OPOF annual free cash flow is up +33.09% year-on-year

    Profitability Ratios

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    Margins

    Gross margin

    0.00%
    OPOF annual gross profit margin is 0.00%

    Operating margin

    13.29%
    OPOF annual operating profit margin is 13.29%

    Net margin

    15.43%
    OPOF annual net profit margin is 15.43%

    ROA & ROE

    ROA

    0.66%
    OPOF annual return on assets is 0.66%

    ROE

    8.61%
    OPOF annual return on equity is 8.61%

    Valuation

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    PE Ratio

    PE ratio

    24.76
    OPOF price to earnings ratio is 24.76

    PE ratio Sector rank

    -
    OPOF price to earnings ratio is unknown

    PB Ratio

    PB ratio

    1.82
    OPOF price to book ratio is 1.82

    PB ratio Sector rank

    -
    OPOF price to book ratio is unknown

    PS Ratio

    PS ratio

    2.51
    OPOF price to sales ratio is 2.51

    PS ratio Sector rank

    -
    OPOF price to sales ratio is unknown

    Enterprise value

    Enterprise value

    $267.34M
    OPOF enterprise value is $267.34 million

    Enterprise value Sector rank

    -
    OPOF enterprise value is unknown

    EV/EBITDA

    EV/EBITDA

    -
    OPOF EV/EBITDA value is unknown

    EV/EBITDA Sector rank

    -
    OPOF EV/EBITDA is unknown

    Financial Health

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    Liquidity

    Current ratio

    90.28
    OPOF annual current ratio is 90.28

    Quick ratio

    -
    OPOF annual quick ratio value is unknown

    Leverage

    Debt to equity

    0.61
    OPOF annual debt to equity ratio is 0.61

    Interest coverage ratio

    1.47
    OPOF annual interest coverage ratio is 1.47

    Risk & Stability

    Piotroski F-Score

    6
    OPOF piotroski f-score is 6

    Altman Z-Score

    0.61
    OPOF altman z-score is 0.61

    Analyst ratings

    Recent major analysts updates

    No data about analysts updates

    Institutional Ownership

    Screeners with OPOF included

    Stocks above SMA 50
    • What is the ticker symbol for Old Point Financial Corporation?
    • Does Old Point Financial Corporation pay dividends?
    • What sector is Old Point Financial Corporation in?
    • What industry is Old Point Financial Corporation in?
    • What country is Old Point Financial Corporation based in?
    • When did Old Point Financial Corporation go public?
    • Is Old Point Financial Corporation in the S&P 500?
    • Is Old Point Financial Corporation in the NASDAQ 100?
    • Is Old Point Financial Corporation in the Dow Jones?
    • When was Old Point Financial Corporation's last earnings report?
    • When does Old Point Financial Corporation report earnings?

    What is the ticker symbol for Old Point Financial Corporation?

    The ticker symbol for Old Point Financial Corporation is NASDAQ:OPOF

    Does Old Point Financial Corporation pay dividends?

    Yes, Old Point Financial Corporation pays dividends. The last payment was $0.14, with an ex-dividend date on June 9, 2025

    What sector is Old Point Financial Corporation in?

    Old Point Financial Corporation is in the Financial Services sector

    What industry is Old Point Financial Corporation in?

    Old Point Financial Corporation is in the Regional Banks industry

    What country is Old Point Financial Corporation based in?

    Old Point Financial Corporation is headquartered in United States

    When did Old Point Financial Corporation go public?

    Old Point Financial Corporation's initial public offering (IPO) was on January 11, 1999

    Is Old Point Financial Corporation in the S&P 500?

    No, Old Point Financial Corporation is not included in the S&P 500 index

    Is Old Point Financial Corporation in the NASDAQ 100?

    No, Old Point Financial Corporation is not included in the NASDAQ 100 index

    Is Old Point Financial Corporation in the Dow Jones?

    No, Old Point Financial Corporation is not included in the Dow Jones index

    When was Old Point Financial Corporation's last earnings report?

    Old Point Financial Corporation's most recent earnings report was on July 30, 2025

    When does Old Point Financial Corporation report earnings?

    The next expected earnings date for Old Point Financial Corporation is October 23, 2025
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